Health insurance in Spain is the key to quality and timely medical care.
Thanks to the insurance, you can avoid long waiting lists for specialists, scheduled surgeries or diagnostic procedures, which are often encountered in the state healthcare system. Insurance provides access to modern medical technologies and examinations that may be unavailable without a policy. In addition, for many foreigners, having health insurance is a prerequisite for obtaining residency or a long-term visa. This is an investment not only in your health, but also in peace and confidence in the future.
What types of private health insurance are available in Spain?
With surcharges (con copagos)
The patient pays a small fixed amount for each medical service, such as a doctor's visit, tests, examinations, etc.
Without surcharges (sin copagos).
All medical services are fully covered by insurance, with no additional costs to the patient.
With reimbursement (con rembolso)
Insurance allows a patient to contact any doctor or medical center, pay for services themselves, and then submit documents for reimbursement.
Types of health insurance policies
Frequently asked questions and answers:
What is Copago in health insurance?
When choosing health insurance in Spain, you may often encounter the concept of copago.
Copago is a co-payment for each use of medical services, in addition to the monthly payment for the policy.
How does it work?
Every time you visit a doctor, have tests, or receive medical advice, you pay a small fixed amount. The amount depends on the insurance package.
For example:
• Minimum copay — you pay a minimum amount for each visit to the doctor. (On average, it is 2-3 euros)
• Average copay — slightly higher copay, but monthly payments are lower.
• No copay — there are no copays for medical services, but the monthly payment will be higher.
You can learn more about this here. read here.
What is insurance with Reembolso?
Insurance with Rembolso (reimbursement) — is a type of health insurance that allows the insured person to contact any doctor or medical institution, even if they are not included in the insurance company's medical network. After receiving the service, the client pays for it himself, and the insurance company reimburses a certain percentage of the costs, according to the terms of the contract. Usually it is 80-100%, depending on the terms of the policy.
What is the Periodo de Carencia in health insurance?
The Periodo de Carencia is a waiting period from the moment the insurance contract is concluded, during which certain services are not covered by the insurance. This means that even if the policy is already in force, access to certain types of medical care will only be possible after this period has ended.
What services does it apply to?
These are usually complex and expensive procedures, such as: surgeries, hospitalization, childbirth, and complex diagnostic tests.
Why is a Waiting Period needed?
It is used by insurance companies to prevent abuse, where a customer takes out a policy solely for the purpose of covering a planned medical procedure or surgery.
Exceptions:
In the case of emergency care, the waiting period is usually waived.
For those who switch from another insurance company to DKV, the waiting period is waived, with the exception of childbirth.
What discounts can I get when taking out health insurance?
Discounts depending on the current promotion.
Discounts depending on the payment method: 2.8% (quarterly payment), 4.6% (semi-annual payment) and 7% (annual payment).
Discounts depending on the number of insured persons: 7% (four insured persons), 12% (more than four)
These discounts are cumulative.
Why choose a medical policy from DKV?
- Doctors and clinics
DKV offers access to over 51,000 professionals and 1,000 medical centers throughout Spain, including 23 of its own centers. Among them are 7 of the top 10 hospitals in the country, such as Clínica Universidad de Navarra (top 1), Quirón, Hospitales HM, Vithas, Ruber Juan Bravo and others. - Different policy options
DKV offers policies for every budget and need: from basic ones that allow you to see specialists to policies with treatment coverage worldwide. - Extensive experience and customer trust
Over 2 million customers in Spain have already trusted DKV. With over 25 years on the market, the company has constantly improved its services, guaranteeing the highest level of care for your health. - Wide selection of insurance products
In addition to health insurance, DKV offers life insurance, accident insurance, dental coverage, property insurance and other services. This allows you to combine all the necessary policies in one company, simplifying their management. - Modern online solutions
DKV implements innovative solutions such as telemedicine and online consultations, making medical care accessible and convenient, especially in emergency situations.
By choosing DKV, you are investing in your health and peace of mind for your family.
Which medical package is chosen most often and why?
DKV really does have a wide range of medical packages to suit every budget. You can choose from simple basic policies for specialist visits to policies that allow you to receive medical care anywhere in the world with 100% reimbursement by the insurance company.
I consider each request individually to find the ideal option for each client. However, in 80% cases, clients choose the so-called “golden mean” — DKV Integral policy.
Why is DKV Integral popular?
- Wide coverage:
The policy includes specialist consultations, serious diagnostic examinations, hospitalization, surgeries, pregnancy management, dentistry, and much more. - Affordable price:
There are different versions of this package:- With co-payments (copagos): For people who rarely see doctors.
- No co-payments: For those who use medical services more often.
- Additional discounts:
DKV offers discounts depending on the payment method (monthly, quarterly or annual), or the number of people taking out the policy together (e.g. family plans).
For more detailed information on what exactly is included in DKV Integral, read here.
- Wide coverage: